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EPIC has identified shortfall savings as a key tool in the toolbox for achieving financial stability. Without resources to tap into when income drops or expenses rise, families are left with few options for making ends meet. This brief explores the ways in which governments, for- and non-profit financial service providers, and employers can help low- and moderate-income households build savings for the short-term, which will help them smooth out the inevitable spikes and dips in their income and expenses.